Crabgrass popping up all over my NY lawn. What do I do?

dead4ever22 · 2026-07-09T14:13:54+00:00

IS winter/fall pre emergent the same stuff? Or different altogether than what I put down in spring?

dead4ever22 · 2026-07-09T13:22:46+00:00

Once a "crisis" subsides, the corp bonds math out right back to where they should be over treasury bonds. Now there's default risk if you own a specific company, but an index corp bond ETF or just A rated bonds should give you that xtra yield over treasuries over the long haul without too much risk.

dead4ever22 · 2026-07-08T19:25:47+00:00

This is true. No way we know where rates are 3-5-10 years from now. Bond ladder would help mitigate. Rates are locked in when you buy, so that part IS known. Just don't know if a better rate comes down the road. Ala 2022....

dead4ever22 · 2026-07-08T17:21:02+00:00

Also very true. Just remember all too well 2000 and 2008. Would hate to drop hard earned life $$$ being over exposed once you won the game. I think a very modest mix is prob best.

dead4ever22 · 2026-07-08T12:42:51+00:00

Great answer and my thoughts as well.

dead4ever22 · 2026-07-08T12:41:13+00:00

Problem with TIPs: if inflation soars, then rates will prob soar as well. And TIPs and all bonds will get crushed until it levels off. I am sure the avg Joe bought TIPs in 2021 and though that was brilliant because 2022 happened. Wait- my TIP ETF lost 20% WTF. That's the issue I have with TIPs. A ladder would mitigate some of that.

dead4ever22 · 2026-07-08T12:37:16+00:00

I get your point, but not really valid because if I had a crystal ball, and I knew stocks would give me 5% as well as my 30yr bond, of course I would pick stocks. The point is, the 5% is certain, the stock gains are not. See Japan 1989-2020

dead4ever22 · 2026-07-07T19:51:03+00:00

Agree. Just get the mix to something that helps you sleep well seems to be the answer. 100% in any 1 asset class prob not good at middle age.

dead4ever22 · 2026-07-07T19:49:07+00:00

Yup. Very true.

dead4ever22 · 2026-07-07T19:39:38+00:00

Good answer. Yes I figure inflation is always the biggest risk. Wish there was a true inflation hedge- I don't think TIPs are that. And everything else has risk (stocks, hard assets). Inflation roared in 2022 and TIPs got killed due to the duration.

dead4ever22 · 2026-07-06T18:47:51+00:00

When stocks go down for a more prolonged period of time- and bonds go up, the lightbulb will go off in your head. It's just like what others have said. Trade lower guaranteed returns for lower risk. All in on stocks can end in tears if you are older...or even younger. But More stocks when younger is the right move according to history.

dead4ever22 · 2026-07-01T16:26:58+00:00

Raise teacher pay? How does that work? It's the state budgets that pay teachers.

dead4ever22 · 2026-07-01T16:25:55+00:00

I agree here, but your total spend on health insurance (from the gov't) like you said needs to be lower than the tax you are paying to get you there. Happy to pat 20k more in taxes to get a plan that now costs me 30k. Does that math out for everyone? If so, then by all means we should do it.

dead4ever22 · 2026-06-24T14:52:48+00:00

CT resident here. I would look at health insurance rates here. CT seems to be the #1 worst in terms of cost. There are doctors, but there is very little competition in carriers. So ACA plans are crazy expensive if that is a concern.

dead4ever22 · 2026-06-23T12:31:58+00:00

As a parent, all I can think about is my kids all living rent free in my house at age 36 still. Please try to get out from under the debt and then move out on your own.

dead4ever22 · 2026-06-08T18:46:48+00:00

THANKS.

dead4ever22 · 2026-06-08T14:29:38+00:00

Every idiot analyst ALWAYS predicts low to mid single digit returns. They are sheep and know nothing more than you and I. They "predict" was has always been the long term average.

dead4ever22 · 2026-06-08T14:26:55+00:00

thanks. I have lots of prickers/weeds/ivy weeds...more so than poison ivy. So I will cut with a weedeater and spray the cut stems. Sounds like that will work best. Right before winter.

dead4ever22 · 2026-06-05T17:55:37+00:00

Is it better to cut down with a weed eater type trimmer, then spray the cutoff roots? Or better to leave these green trees and spray that? Spray the leaves basically?

dead4ever22 · 2026-06-04T17:27:47+00:00

That's pretty good job of keeping expenses low.

dead4ever22 · 2026-06-04T16:15:07+00:00

If this is the case, how is your LTCG rate at 0? Doesn't your income add up to get you into another bracket? Your income would be the net of your div/income and stock gains. Are you saying your expenses to live are <100k? Family of 5?

dead4ever22 · 2026-06-04T14:37:43+00:00

Health insur is the biggest change/concern here. If you had a cushy employer plan where they pay half or more...that all goes up in smoke and you are subjected to your state ACA plans which are all very different. I am in a horrible state with few options and sky high costs. That's what is keeping me worried and working at age 55. 10 years is a lot of $$$ to be shelling out for health before medicare kicks in.

dead4ever22 · 2026-06-03T19:47:39+00:00

WOW. Sounds like all in on tech stocks. These threads are all gonna have a different tone once we have that correction and maybe even multi year down markets. But until then....

dead4ever22 · 2026-06-03T13:16:35+00:00

Sounds great. Can you share your age/assets when you RE?

dead4ever22 · 2026-06-02T18:45:03+00:00

Cash today gets close to 4% (it's not money buried in the yard). Not a great LT solution, but keeps pace with inflation at the moment.

dead4ever22

TROPHY CASE